Audi S4 Insurance Rates
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UPDATED: Jun 6, 2023
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Estimated insurance rates for an Audi S4 are $1,456 a year for full coverage. Comprehensive insurance costs an estimated $312 each year, collision insurance costs $624, and liability coverage costs around $384. A liability-only policy costs as low as $432 a year, and high-risk insurance costs $3,174 or more. Teen drivers pay the most at up to $5,356 a year.
Average premium for full coverage: $1,456
Premium estimates broken down by type of coverage:
Rate estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and S4 models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for an Audi S4 range from as low as $432 for your basic liability-only policy to a high rate of $3,174 for high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how location helps determine insurance prices.
These rate differences show why all drivers should compare prices for a targeted area and risk profile, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows average Audi S4 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $816
- Using higher $1,000 deductibles will save approximately $212 a year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,456
- Choosing low deductibles for physical damage coverage will cost an extra $414 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,174
- An auto insurance policy for full coverage for a teenage driver can cost as much as $5,356 or more
Auto insurance prices for an Audi S4 also have a wide range based on your driving characteristics, the trim level of your S4, and liability limits and deductibles.
More mature drivers with a good driving record and high deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $5,300 a year. View Rates by Age
Where you choose to live has a huge impact on Audi S4 insurance rates. A driver around age 40 might see prices as low as $960 a year in states like Iowa, Maine, and Idaho, or as much as $2,080 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,314 | -$142 | -9.8% |
| Alaska | $1,116 | -$340 | -23.4% |
| Arizona | $1,208 | -$248 | -17.0% |
| Arkansas | $1,456 | -$0 | 0.0% |
| California | $1,658 | $202 | 13.9% |
| Colorado | $1,388 | -$68 | -4.7% |
| Connecticut | $1,494 | $38 | 2.6% |
| Delaware | $1,646 | $190 | 13.0% |
| Florida | $1,820 | $364 | 25.0% |
| Georgia | $1,346 | -$110 | -7.6% |
| Hawaii | $1,046 | -$410 | -28.2% |
| Idaho | $986 | -$470 | -32.3% |
| Illinois | $1,084 | -$372 | -25.5% |
| Indiana | $1,098 | -$358 | -24.6% |
| Iowa | $984 | -$472 | -32.4% |
| Kansas | $1,382 | -$74 | -5.1% |
| Kentucky | $1,984 | $528 | 36.3% |
| Louisiana | $2,156 | $700 | 48.1% |
| Maine | $898 | -$558 | -38.3% |
| Maryland | $1,200 | -$256 | -17.6% |
| Massachusetts | $1,160 | -$296 | -20.3% |
| Michigan | $2,526 | $1,070 | 73.5% |
| Minnesota | $1,220 | -$236 | -16.2% |
| Mississippi | $1,742 | $286 | 19.6% |
| Missouri | $1,292 | -$164 | -11.3% |
| Montana | $1,562 | $106 | 7.3% |
| Nebraska | $1,146 | -$310 | -21.3% |
| Nevada | $1,746 | $290 | 19.9% |
| New Hampshire | $1,050 | -$406 | -27.9% |
| New Jersey | $1,626 | $170 | 11.7% |
| New Mexico | $1,288 | -$168 | -11.5% |
| New York | $1,532 | $76 | 5.2% |
| North Carolina | $836 | -$620 | -42.6% |
| North Dakota | $1,192 | -$264 | -18.1% |
| Ohio | $1,002 | -$454 | -31.2% |
| Oklahoma | $1,494 | $38 | 2.6% |
| Oregon | $1,334 | -$122 | -8.4% |
| Pennsylvania | $1,386 | -$70 | -4.8% |
| Rhode Island | $1,942 | $486 | 33.4% |
| South Carolina | $1,320 | -$136 | -9.3% |
| South Dakota | $1,228 | -$228 | -15.7% |
| Tennessee | $1,274 | -$182 | -12.5% |
| Texas | $1,754 | $298 | 20.5% |
| Utah | $1,078 | -$378 | -26.0% |
| Vermont | $994 | -$462 | -31.7% |
| Virginia | $872 | -$584 | -40.1% |
| Washington | $1,124 | -$332 | -22.8% |
| West Virginia | $1,334 | -$122 | -8.4% |
| Wisconsin | $1,006 | -$450 | -30.9% |
| Wyoming | $1,296 | -$160 | -11.0% |
Choosing high deductibles could cut prices by as much as $630 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $345 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying $1,700 to $2,400 in extra premium annually, depending on your age. Insurance for high-risk drivers can be around 45% to 130% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Audi S4 Quattro 4-Dr Sedan | $1,420 | $118 |
| Audi S4 Quattro 4-Dr Sedan | $1,420 | $118 |
| Audi S4 Quattro 4-Dr Sedan | $1,456 | $121 |
| Audi S4 Quattro 4-Dr Sedan | $1,456 | $121 |
Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Audi S4 | $312 | $624 | $384 | $1,456 |
| 2014 Audi S4 | $260 | $454 | $394 | $1,244 |
| 2010 Audi S4 | $212 | $326 | $402 | $1,076 |
| 2009 Audi S4 | $200 | $296 | $402 | $1,034 |
| 2007 Audi S4 | $190 | $260 | $390 | $976 |
| 2006 Audi S4 | $188 | $248 | $384 | $956 |
| 2004 Audi S4 | $166 | $224 | $376 | $902 |
Rates are averaged for all Audi S4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Audi S4 Insurance
Finding better rates on auto insurance requires avoiding accidents and claims, having good credit, not filing small claims, and consideration of higher deductibles. Invest time comparing rates every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The points below are a brief recap of the material that was covered in the charts and tables above.
- Consumers who want increased liability limits will pay about $420 each year to increase from 30/60 bodily injury limits to 250/500 limits
- Drivers under the age of 20 are the costliest to insure, as much as $446 per month if they have full coverage
- Drivers who tend to receive serious violations pay an average of $1,720 more annually to insure an Audi S4
- Increasing policy deductibles can save around $625 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,356 |
| 20 | $3,382 |
| 30 | $1,526 |
| 40 | $1,456 |
| 50 | $1,330 |
| 60 | $1,306 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,870 |
| $250 | $1,678 |
| $500 | $1,456 |
| $1,000 | $1,244 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,456 |
| 50/100 | $1,533 |
| 100/300 | $1,629 |
| 250/500 | $1,878 |
| 100 CSL | $1,571 |
| 300 CSL | $1,782 |
| 500 CSL | $1,936 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,686 |
| 20 | $5,390 |
| 30 | $3,252 |
| 40 | $3,174 |
| 50 | $3,024 |
| 60 | $3,000 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $79 |
| Multi-vehicle | $78 |
| Homeowner | $21 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $96 |
| Paid in Full/EFT | $71 |
| Advance Quote | $75 |
| Online Quote | $106 |
| Total Discounts | $640 |
Discounts are estimated and may not be available from every company or in every state.
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